Our office is excited today, 1-22-08.  It's taken 2 months, but finally Ocwen agreed on a loan modification for one of our clients.  It took countless calls and many long hour holds, but with persistence we achieved what we needed to do to save a home!  If you are facing an ARM adjustment (interest rate increase) and you are on a fixed income, have had a drop in income, or are just upside down in your home due to drop in market values  then consider a loan modification.  It is certainly much cheaper than refinancing and may allow for a fixed-rate.  Lenders have no choice, but to help homeowners with this home mortgage crisis.  Call us today at 1 800 826-1929 for a free consultation.  Tell us your situation and we can offer several possible solutions.  Ask for Janet or Dave.